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MGW Law

Wisconsin’s Dedicated Insurance Law Firm

Wisconsin Accidental Death And Dismemberment Insurance Claim Attorneys

Last updated on July 22, 2025

Accidental death and dismemberment (AD&D) insurance provides crucial financial protection when the unexpected occurs. 

If you believe your AD&D claim has been wrongfully denied or delayed, you can count on our attorneys at MGW Law. We have over 50 combined years of experience with the insurance industry, offering a competitive advantage in understanding the tactics insurance companies use to avoid paying valid claims.

Why Are AD&D Claims Denied?

Wisconsin insurers may deny AD&D claims for legitimate reasons or through bad faith practices to avoid paying benefits. Insurance companies use various tactics to avoid paying legitimate AD&D claims through these and other tactics.

  • Mischaracterizing the cause of death: Attributing accidental death to illness when the accident was the proximate cause
  • Disputing accident classification: Questioning whether death was truly accidental versus intentional
  • Ignoring accident facts: Focusing on preexisting conditions while downplaying clear accident evidence
  • Demanding excessive proof: Continuously requesting documents already provided to frustrate claims
  • Misinterpreting policy language: Applying exclusions broadly or twisting definitions to deny coverage
  • Unreasonable delays: Taking excessive time to process claims without justification

These acts violate Wisconsin insurance laws and may constitute bad faith practices requiring legal intervention.

What Should You Do If Your AD&D Claim Is Denied?

A denial is not the end of the road for your Wisconsin AD&D claim. Taking proper steps immediately after receiving a denial notice can strengthen your ability to recover benefits.

  • Keep meticulous records: Document all communications with your insurer
  • Maintain copies: Keep all submitted documents and denial letters
  • Avoid recorded statements: Do not provide statements without legal counsel
  • Review your policy: Understand terms, conditions and exclusions
  • Seek legal counsel immediately: Navigate complex policy language and Wisconsin bad faith law

These steps help protect your rights and strengthen your position for challenging an insurance claim denial.

Contact Our Wisconsin AD&D Claim Lawyers

If your AD&D claim was denied or delayed, do not accept the insurer’s decision without question. Call MGW Law at 920-383-3911 or complete our contact form to schedule a consultation. We serve all of Wisconsin.